November 2025, by David Rubin
At United Capital America, getting funded isn’t complicated. The process is straightforward, transparent, and usually completed within five to ten business days, assuming your documentation is ready.
Step 1 — Business Registration
Everything begins with a short Business Registration Form.
This helps us understand your company structure, ownership, and overall standing. It also allows us to run standard background and compliance checks before advancing your file. The form takes less than five minutes to complete and can be filled out directly from your phone.
Once submitted, our team begins the internal review almost immediately.
Step 2 — Program Selection
During registration, one of the questions asks which program you’re interested in. Based on that answer, we’ll guide you to the next form or request additional documents.
- For Real Estate Financing, use our Real Estate Form.
- For Traditional Financing such as lines of credit, term loans, or SBA programs, use our Traditional Financing Form.
- For all other programs — factoring, purchase order financing, equipment financing, trade-ins, or card processing — we’ll request what’s needed directly by email.
The main point: always complete the Business Registration Form first before moving to the next step.
Step 3 — Documentation and Legal Review
Once we receive your documents, our legal department reviews the file in detail. This includes checking ownership, confirming business status, and verifying that there are no open legal or credit issues attached to the company or its principals.
This step typically takes only a few hours. In cases where multiple deals are under review or additional verification is required, it can take slightly longer — but we move as quickly as accuracy allows.
Step 4 — Underwriting and Offer Presentation
After legal clearance, your file moves to underwriting. This is where we evaluate risk, repayment terms, and structure the offer.
We use an internal calculator designed to produce terms that make sense for both sides.
Once the offer is ready, we present it to you for review. At this stage, we discuss the structure, terms, and repayment options until everything is clear and mutually agreed upon.
Step 5 — Agreement and Interview
When terms are finalized, we issue the service agreement (and any addendum if necessary). Signing is done electronically and typically takes less than half a business day.
After the agreement is signed, a brief verification call is scheduled with a senior underwriter — sometimes Joe, Jeff, or Victor. The purpose of the call is simple: confirm the use of funds, verify your banking details, and finalize approval before funding.
Step 6 — Funding
Once the call is complete and all verifications are cleared, we release funds — usually within minutes.
Wires are processed before 4:00 PM EST, Monday through Friday, excluding holidays.
If your documentation is complete and you meet program qualifications, funding can happen in just a few days.
Each funding program has its own qualification standards. While we move fast, approvals still depend on business performance, documentation quality, and underwriting results. The stronger your file, the better your terms and turnaround time.
At the end of the day, the entire process is built around efficiency and trust. We don’t believe in unnecessary layers or slow approvals — just clear communication, proper verification, and a fast turnaround. Once everything is in place, we move quickly so you can focus on what really matters — running your business.
Step 1 — Business Registration
Everything begins with a short Business Registration Form.
This helps us understand your company structure, ownership, and overall standing. It also allows us to run standard background and compliance checks before advancing your file. The form takes less than five minutes to complete and can be filled out directly from your phone.
Once submitted, our team begins the internal review almost immediately.
Step 2 — Program Selection
During registration, one of the questions asks which program you’re interested in. Based on that answer, we’ll guide you to the next form or request additional documents.
- For Real Estate Financing, use our Real Estate Form.
- For Traditional Financing such as lines of credit, term loans, or SBA programs, use our Traditional Financing Form.
- For all other programs — factoring, purchase order financing, equipment financing, trade-ins, or card processing — we’ll request what’s needed directly by email.
The main point: always complete the Business Registration Form first before moving to the next step.
Step 3 — Documentation and Legal Review
Once we receive your documents, our legal department reviews the file in detail. This includes checking ownership, confirming business status, and verifying that there are no open legal or credit issues attached to the company or its principals.
This step typically takes only a few hours. In cases where multiple deals are under review or additional verification is required, it can take slightly longer — but we move as quickly as accuracy allows.
Step 4 — Underwriting and Offer Presentation
After legal clearance, your file moves to underwriting. This is where we evaluate risk, repayment terms, and structure the offer.
We use an internal calculator designed to produce terms that make sense for both sides.
Once the offer is ready, we present it to you for review. At this stage, we discuss the structure, terms, and repayment options until everything is clear and mutually agreed upon.
Step 5 — Agreement and Interview
When terms are finalized, we issue the service agreement (and any addendum if necessary). Signing is done electronically and typically takes less than half a business day.
After the agreement is signed, a brief verification call is scheduled with a senior underwriter — sometimes Joe, Jeff, or Victor. The purpose of the call is simple: confirm the use of funds, verify your banking details, and finalize approval before funding.
Step 6 — Funding
Once the call is complete and all verifications are cleared, we release funds — usually within minutes.
Wires are processed before 4:00 PM EST, Monday through Friday, excluding holidays.
If your documentation is complete and you meet program qualifications, funding can happen in just a few days.
Each funding program has its own qualification standards. While we move fast, approvals still depend on business performance, documentation quality, and underwriting results. The stronger your file, the better your terms and turnaround time.
At the end of the day, the entire process is built around efficiency and trust. We don’t believe in unnecessary layers or slow approvals — just clear communication, proper verification, and a fast turnaround. Once everything is in place, we move quickly so you can focus on what really matters — running your business.
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Take the next step with United Capital America LLC
Take the next step with United Capital America LLC
